Fees and Charges

CHEQUING ACCOUNTS

• Available for Personal and Corporate Accounts
• Statement & paid cheques mailed monthly
• Minimum Opening Balance of $500.00

Processing Cheques (per cheque)

• Personal (first six (6) cheques free monthly) $1.00
• Corporate (first six (6) cheques free monthly) $1.00

Processing Deposits

• Personal FREE
• Corporate $1.00

Minimum Monthly Account Service Fee

• Personal $5.00
• Corporate $10.00

SAVINGS ACCOUNTS

• Interest calculated on the daily balance and paid quarterly in March, June, September, and December
• Minimum Opening Balance – Youth Account – $50.00, Regular Savings – $300.00, Fifty-Plus – $5,000, Super Saver – $1,000.00 Min.

Minimum Balance Fee

• Balance on regular savings below $300.00 – $3.00
• Balance on youth savings below $50.00 – $1.00

TERM DEPOSITS

• Please ask one of our Financial Service Representatives about our interest rates.

ACCOUNT ACCESS
Debit/ATM Cards (all accounts except Super Saver and corporate chequing)

(Existing Magstripe Debit Card)

• Card Issue (Account opening) FREE
• Replacement lost/damaged card $20.00
• Replacement stolen card (on presentation of Police Report) FREE
• Usage at First Citizens ATM FREE
• Usage at other Bank’s ATM $1.50
• Point-of-Sale Transactions $.25
• Online Banking FREE

Visa Debit Card 

Debit Card at Local FCB ATM 

Balance inquiry -FREE
Cash withdrawal – FREE

Debit Card at other Bank ATM

Balance inquiry – $0.00
Cash Withdrawal – $3.00
Cash Withdrawal Decline – $0.00

Debit Card at international ATM

Balance Inquiry – $0.00
Cash Withdrawal – $5.00
Cash Withdrawal Declined – $0.00
 

Debit Card at Local Point of Sale (POS) – FREE

Debit Card at international Point of Sale (POS) – FREE

Replacement Card – FREE

DAILY LIMITS ASSIGNED (In Domestic Currency Equivalent) BBDs

Maximum Domestic ATM 2,500
Maximum Domestic Point of Sale (POS) 2,500
Maximum International ATM 2,500
Maximum International Point of Sale (POS) 2,500
Maximum International ATM + Point of Sale (POS) 5,000
Maximum Total ATM + POS 5,000
Maximum ATM Deposit N/A
Maximum Account to Account Transfer N/A
Maximum Bill Pay N/A
  

ACCOUNT CLOSING

• Accounts closed within 3 months of opening $35.00

LOANS and ADVANCES
Excess Overdraft Fee

• $100 – $999.99 $25.00
• $1,000 – $9,999.99 $200.00
• $10,000 – $19,999.99 $350.00
• Over $20,000 $500.00

Overdraft

• Returned Cheque (NSF/Irregularity) $40.00

MISCELLANEOUS
Statements and Confidential Reports

• Duplicate Statement $20.00 + VAT
• Interim Statement (screen history) $5.00 per page
• Confidential Reports $30.00 + VAT
• Special Letters (Non-Standard) $35.00 + VAT

Sundry

• Audit Confirmations & Voucher Search

Current Year $50.00
1-2 Year $75.00
3-5 Years $150.00
6 Years and over $300.00

• Faxes – (FCBB customers only)

Local $10.00
C’bean $25.00
USA including Canada & P.R. $40.00
Europe $50.00
Middle/East $70.00

• Transaction under Advice $5.00
• Photocopies $5.00
• Coin Handling 2% Minimum $5.00
• Stop payment (personal/corporate FCBB cheques only) $20.00
• Information on Accounts $20.00
• Cheques Printer’s charge stamp duty/commission
• Third Party Withdrawals $10.00
• Over the counter transactions FREE – Youth, Others – $3.00

DORMANT AND ESCHEATED ACCOUNTS

• Dormant Activation fee – Free
• Inactive Notices $10 per year per account
• Escheatment $20 per year, per account

CENTRAL PROCESSING SERVICES
Standing Orders

• Set-Up (valid for one (1) year only) $30.00

Processing Standing Orders

• Loan Credit FREE
• All Others (per order plus costs) $10.00

Direct Debits

• Set-Up (valid for one (1) year only) $30.00
• Service Charge $1.00 per debit

NON-STOP DEPOSITORY FACILITIES

• Annual fee $250.00 + VAT
• Disposable Bags $50.00 for 50 bags
• Damanged Bags $5.00
• Short term rentals $50.00

SAFETY DEPOSIT BOXES

• Safety deposit boxes available at Broad Street and Collymore Rock branches only.
• Fees are charged annually and pro-rated from date of rental.
• Customers are allowed 2 free visits per month, with a $5.00 for each additional visit.
• 1 ½”x 5” $100.00 + VAT or part thereof
• 3”x 5” $150.00 + VAT or part thereof
• 5”x 5” $200.00 + VAT or part thereof
• 10”x 15” $400.00 + VAT or part thereof
• Replacement Key $25.00 + cost.
• Box Drilled open $200 + cost of drilling, replacing locks etc
• Listing of contents $80 + out-of-pocket expenses
• Late fees $5.00 per month or part thereof
• Estate opening of box $100.00

SAFEKEEPING

• Please contact us with your specific requirements.

CREDIT CARDS
Annual Fees

• Visa Classic $50.00
• Visa Gold $80.00
• Visa Platinum $300.00
• Visa Business $100.00
• MasterCard Standard $50.00
• Late Payment Fee $50.00
• MasterCard Prepaid Card $50.00
• MasterCard Prepaid Additional Card $25.00
• Master Card Prepaid Initial load 1% of load amount
• Master Card Prepaid Reload 1% of load amount
   

Replacement Fee 

• Visa Classic $25.00
• Visa Gold $40.00
• Visa Business $60.00
• Visa Platinum $50.00
• MasterCard Standard $25.00
• MasterCard Prepaid $25.00

Over Limit Fee

• Visa Classic $55.00
• Visa Gold $55.00
• Visa Business $100.00
• Visa Platinum $60.00
• Master Card Standard $55.00
• Emergency Upload –Prepaid Card $25.00
• Emergency Upload – Credit Card $25.00
   

LOCAL AND INTERNATIONAL PAYMENTS
Local Drafts

• Local Drafts $15.00 + stamp duty
• Replacement Draft Stop payment charge + sale charge + stamp duty
• Stop Payment $20.00 + stamp duty

International Drafts

• International Drafts $15.00 + stamp duty
• Replacement Draft Stop payment charge + sale charge +stamp duty
• Stop Payment $50.00 + stamp duty

RTGS and Telegraphic Transfers

• RTGS transfers $15.00
• Outgoing telegraphic transfer CARICOM (Wire fee +commission)  $70.00
• Outgoing telegraphic transfer -other     $95.00
• Outgoing telgraphic transfer (at remitter’s request)* $35.00
• Incoming telegraphic transfer fee* $5.00
• Incoming telegraphic transfer returned $50.00

MERCHANT CREDIT CARD PROCESSING
A full range of credit and debit card processing for POS merchants is provided by our Card ServicesDepartment. This includes processing for Visa and MasterCard as well as our First Citizens Debit Card andother local debit cards. These cards are all processedelectronically with easy-to-use terminals. Internetmerchants can utilise our service to process cards ontheir website. For further details, please contact ourCard Services Department at (246) 431-4585.

CREDIT / LOANS
Whether you’re a first-time home buyer, thinking of renovating your home, or simply in need ofmortgage information, you can count on the fast,friendly service of our experienced credit staff tohelp you reach your dreams. From car loans tocommercial lending, we do it all for you. To applyfor any of our loan products, please come into yournearest First Citizens Bank branch or call us to makean appointment.